The CHAMP Plan is a premium health benefit that covers things your regular insurance doesn't — and for most families, it pays for itself the first time you use it. Here's everything you'll have access to. Think of CHAMP as the coverage your regular insurance doesn't cover — virtual care without a copay, free prescriptions on common meds, mental health support, and more. Whether you're insured through your employer, a spouse, or the marketplace, CHAMP layers on top providing a front line of defense for you and your family.
The math is straightforward: one use of almost any CHAMP benefit covers your cost for the entire pay period. Here's what typical out-of-pocket expenses look like — and what you pay with CHAMP.
One sick kid, one urgent care visit, one prescription refill — and you've already spent more out-of-pocket than a month of CHAMP coverage would cost.
Virtual care available 24/7, $0 copay. Common prescriptions free. Mental health support included. Your family stays covered — with no surprise bills.
Nothing reduces your tax burden. Based on a real employee scenario — actual take-home pay will vary.
Monthly Income (Example)
Taxable
Taxes
Take-Home Pay
$810 / month
$3,190 / month
Part of your income is no longer taxed — so you take home more money.
Monthly Income (Example)
Taxable
Taxes
Take-Home Pay
$302 / month
$190 / month (Funded through Savings)
$112 / month (after the plan cost)
With CHAMP, you keep more of what you earn
The CHAMP Plan isn't just one benefit — it's a full suite of healthcare and wellness services bundled into a single, affordable deduction. Here's the complete picture.
No copay, no deductible, no scheduling nightmare. Access a licensed provider 24/7 directly from your phone — for primary care, urgent care, and more. Never sit in a waiting room for a common illness again.
Search your medication in the CHAMP app. If it's on the CHAMP Rx formulary, it's free — no pharmacy trip required. Discounts are available on medications not on the formulary list.
Virtual therapy sessions, AI-powered mental health chat, and peer support — all included. $0 copay, no referral needed, no stigma. Get the support you need, when you need it.
Dogs, cats, birds, horses, iguanas — any animal. Licensed veterinarians are on call around the clock at no extra cost. Pet prescriptions may be available in your area. Check the app for details.
Screenings, wellness checks, and annual exams — fully covered. Catch issues early before they become expensive emergencies.
Complete a Health Risk Assessment and monthly wellness activities — and earn a cash bonus added directly to your paycheck. No catch, no hoops.
Birth control, UTI prevention and treatment, postpartum screenings, and mastitis support — all included.
Exposure guidance, testing support, and virtual care for COVID and flu — free, fast, and from home.
Regular, private depression and anxiety screenings — no in-person visit required, no referral needed.
Blood pressure, glucose, and weight — monitor your health data in one secure, easy-to-use place.
Health tips, articles, recipes, and videos tailored to your lifestyle, goals, and health history.
Support for new parents from postpartum depression screenings to early newborn care guidance.
The most common question we hear is: "I already have insurance — why would I need this?" Here's the honest answer: your current insurance and CHAMP aren't competing. They're designed to work together.
The CHAMP Plan is built to layer on top of any existing health plan — your employer's plan, a spouse's plan, or a marketplace plan. You keep your current coverage exactly as-is. CHAMP fills the gaps your regular insurance leaves open.
Traditional insurance rarely covers virtual-only urgent care at $0, free common prescriptions, 24/7 mental health chat, or virtual vet services. CHAMP does. These are real benefits your current plan likely doesn't provide — at any price.
You don't need to file dual claims or navigate complicated coordination between plans. CHAMP benefits are standalone — you access them directly through the app, independently of your other coverage. Simple, fast, and hassle-free.
Think of CHAMP as the coverage your regular insurance doesn't cover — virtual care without a copay, free prescriptions on common meds, mental health support, and more. Whether you're insured through your employer, a spouse, or the marketplace, CHAMP layers on top.
Your CHAMP benefits don't stop with you. Enroll your spouse, children, and other dependents in the CHAMP Plan app — and they get access to the same powerful suite of virtual benefits at no additional cost per member.
Once you enroll, adding dependents is simple — just open the CHAMP Plan app and follow the prompts. Each dependent gets their own access to virtual care, $0 prescriptions on the formulary, and mental health support.
Note: In-person care visits are available to the primary member only. Dependents have full access to all virtual services.
For you and your covered dependents — virtual, 24/7.
Common medications covered at no cost for your whole family.
Any animal, any time — included for all family pets at no extra charge.
The average cost of an urgent care visit without coverage — yours is free.
Enrollment is simple — and your benefits are active the moment you complete it. Follow these three steps to get covered before the window closes.
Search "The CHAMP Plan" in the App Store or Google Play and download it to your phone. It's free to download.
Set up your profile and complete the enrollment process directly inside the app. Add dependents here too.
Your benefits are active immediately. Virtual care, prescriptions, mental health support — all ready to use right now.
Need to confirm your enrollment or have questions before you sign up? Call us first.
We know you have questions. Here are the ones we hear most often — with straightforward answers so you can make the right decision for yourself and your family.
Yes — you don't have to be sick to benefit. Free prescriptions, 24/7 virtual care for minor issues, mental health support, and wellness activity bonuses all add real value even when you're feeling your best. Prevention is cheaper than treatment.
Your exact deduction depends on your specific plan and pay structure. Before you enroll, call 602-854-3522 and a CHAMP representative will give you your exact number. There are no surprises once you know your cost.
CHAMP supplements your existing plan — it doesn't replace it. Benefits like 24/7 virtual vet, mental health chat, and free common prescriptions are typically not covered by traditional insurance at any tier. CHAMP gives you what your plan leaves out.
Call CHAMP Support at any time to discuss your options: 602-854-3522. A team member can walk you through what's available to you.
Yes — add dependents directly in the CHAMP Plan app after you enroll. They'll have access to all virtual benefits including $0 virtual care, prescriptions, and mental health support. Note: In-person care is available to the primary member only.
24/7 virtual vet access is included for any animal at no extra charge. Pet prescriptions may be available in your area — check the app after you enroll for what's available near you.
Yes, It Costs a Little. But Look at What You Get.